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Advertiser Disclosure
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 Effingham Highway Credit Union Rates & Review May 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: May 15, 2026
You can compare Effingham Highway Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.20%, 6-month share certificate rates at 3.78% and 3-month share certificate rates at 0.20%. Savings rates are at 0.01% and money market rates are at 0.35%. Mortgage rates on 30-year fixed loans are around 5.84%. All these rates can be compared to Effingham Highway Credit Union rates. MonitorBankRates evaluates the financial stability of Effingham Highway Credit Union with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 05/15/2026. Effingham Highway Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Effingham Highway Credit Union? Share your experience about Effingham Highway Credit Union by leaving a review below, or read customer reviews before you decide to use Effingham Highway Credit Union. Effingham Highway Credit Union
Effingham Highway Credit Union 400 W Wabash Ave
Effingham, IL 62401 2670 
Current Rate AvailabilityWe do not have Effingham Highway Credit Union rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Effingham Highway Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Effingham Highway Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Effingham Highway Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Effingham Highway Credit Union
Address
400 W Wabash Ave,
Effingham, IL 62401 2670
Phone
217-342-8209
Fax
217-342-8344
President
Delbert Crouse
CEO
Ronni Turner
Full-Time Employees
1
Part-Time Employees
1
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Return on Assets (ROA)
2.0326%
Return on Equity (ROE)
10.7171%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
5,591,732
Total Amount of Shares and Deposits
4,524,284
Total Shares and Deposits < 1 Year
4,524,283
Total Interest Expense (Sum of items 6 8)
51,418
Number of Accounts for Regular Shares
1,433
Net Income (unless the amount is already included in Undivided Earnings)
88,658
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
514,460
Total Liabilities
4,531,184
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
There are no reviews for Effingham Highway Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for Effingham Highway Credit Union
Frequently Asked Questions About Effingham Highway Credit UnionHow many branches does Effingham Highway Credit Union operate?Effingham Highway Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Effingham Highway Credit Union?Yes, to access services at Effingham Highway Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Effingham Highway Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Effingham Highway Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Effingham Highway Credit Union offer online and mobile banking?Most modern institutions like Effingham Highway Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. Compare to Other Credit Unions
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